1. Credit institutions shall multiply liabilities resulting from deposits by clients that are non-financial customers, sovereigns, central banks, multilateral development banks, public sector entities, credit unions authorised by a competent authority, personal investment companies or by clients that are deposit brokers, to the extent they do not fall under Article 27 by 40 %.
By derogation from the first subparagraph, where the liabilities referred to in that subparagraph are covered by the UK deposit guarantee scheme or an equivalent deposit guarantee scheme in a third country they shall be multiplied by 20 %.
2. Credit institutions shall multiply liabilities resulting from the institution's own operating expenses by 0 %.
3. Credit institutions shall multiply liabilities maturing within 30 calendar days and resulting from securities financing transactions or capital market-driven transactions by:
(a) 0 % where they are collateralised by assets that, but for being used as collateral f
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